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Personal Banking > Intermediary Service > Agent Collection and Payment Service


Collection is a service arrangement where Hua Xia Bank collects certain payments on behalf of the principal and transfers the fund to the principal's account according to the agreement. 
Collection service mainly includes the collection of different kinds of utilities, administrative fees, taxes, communication fees, and other fee items.

Features: Convenient, safe, and prompt.
1. Convenient: The billed customers may pay through a variety of methods such as cash and account transfer through Hua Xia Card. 
2. Safe and prompt: The principal can avoid paper cash risks and improve work efficiency. The payments are directly pooled and transferred to the principal's account.

The billed customers are not subject to service fees. The principal pays to Hua Xia Bank service fees assessed at a percentage of the total payroll amount or at a flat rate according to the agreement. Both parties negotiate for fee standards and means of payment.

Applicable Clients:
Government companies/enterprises and other organizations may appoint Hua Xia Bank as collecting agent dealing with individuals or companies.

Sales Channels:
The billed customers may pay bills through cash, account transfer on Hua Xia Card, sign autopay agreement, Customer Service Center (Telephone Banking), and Internet Banking.

Service Flows:
1. Upon consensus agreement through negotiation, Hua Xia Bank signs with the principalthe Collection Service Agreement. 
2. Hua Xia Bank collects bill payments as agent according to time and amount specified by the principal. 
3. The billed customers pay bills within the billing deadline at the nearby or designated Hua Xia Bank outlets according to instructions of the billing company. The billed customers shall sign agreement with Hua Xia Bank for autopay transfer and shall ensure adequate balance in the designated account for deductions.

Important Information:
1. The customer shall properly store the bankcard (passbook) to prevent from theft or information disclosure.
2. The billed customers shall enquire the billing company in case of doubts and questions on the billing time and amount. 
3. The principal is responsible for chasing overdue bills. Hua Xia Bank is not responsible for the debt collection and will not advance the relevant funds.

Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.

Payroll Payment Service

Payroll Payment Services refer to arrangement where Hua Xia Bank accepts authorization from the company to transfer wages to the Hua Xia current deposit accounts of the staffs or to Hua Xia Card in one or multiple account transfers according to the stipulated deadline.

Features: Convenient and prompt, highly safe, rich varieties of services.
1. Convenient and prompt: The service enables convenient, safe, and prompt services for the employer company. The wages for staff of the company may be deposited quickly for timely interest accruals. 
2. Highly safe: The company and its staff are not exposed to paper cash during the wage payment, which free them from frustrations and risks in withdrawal and cash delivery. It also effectively avoids losses in counterfeits. 
3. Rich varieties of services: The customers using Hua Xia Card for wage payment are also entitled for quality Hua Xia Card services featuring diverse channels and great varieties.

Hua Xia Bank charges service fee at a proportion to the total payroll payment amount or on a flat rate. Both parties negotiate for the fee assessment and means of fee payment.

Applicable Clients:
It is payroll payment service for staff and retirees of companies, institutions, and other organizations.

Service Channels:
Hua Xia Bank outlets and Internet Banking.

Service Flows:
1. Sign payroll payment service agreement: The employer supplies the staff payroll list and the corresponding electronic documents and signs agreement with Hua Xia Bank. The agreement covers the duties of the parties, operation procedures, and agency fee. 
2. Open personal account: According to the employer's payroll documents, Hua Xia Bank opens the personal deposit accounts in card (passbook) in batch for the staff on payroll according to Hua Xia Bank's regulation. 
3. Deposit payroll fund: The employer shall deposit the payroll fund into Hua Xia Bank in advance. 
4. Charge service fee: Hua Xia Bank collects service fee in accordance with the agreement.
5. Account transfer for wages – Hua Xia Bank makes account transfers of wages after the payroll money has been funded. Hua Xia Bank will not advance wages.

Important Information:
1. The employer shall ensure the truthfulness and validity of the supplied documents. 
2. After the issuance of the bankcard (passbook) in batch, all customers shall timely change the passwords attached to the bankcard (passbook) and properly store the bankcard (passbook) to prevent from theft or information disclosure.

Note: This page is for reference only, part of the business to local outlets announcement with specific provisions prevail.